today, these twin burdens are on our shoulders. thus, you'd think our national savings rate would be higher. yet lower it is. so the next time you hear a "yet another" stat about emergency funds, consider using it as a gentle warning signal to take a look at your personal financial ship and make sure there are no economic icebergs floating in your midst. i'm, manisha thakor. >> susie: and speaking of your personal finances, don't expect much of a raise in your paycheck next year. a new forecast says salary increases will run about 3% in 2013. that's way down from the average pay raise of 4.4% back in 2000. many companies froze salary increases during the recent recession, and with the recovery stuck in the mud, many are still not feeling generous when it comes to raises. that's nightly business report for wednesday, july 18. good night everyone. we'll see you online at: www.nbr.com and back here tomorrow night. "nightly business report" is brought to you by: captioning sponsored by wpbt captioned by media access group at wgbh acces